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Affinity Solutions

Personal accident Policy Wording

Contents Introduction 1

Contract of Insurance 1

Important Information 2

Complaints Procedure 4

Contact details for claims and help 5

Policy Definitions 6

Personal Accident Section 8

Policy Conditions 9

Policy Exclusions 11

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Introduction

Welcome to Aviva. We are committed to providing a first-class service.

Aviva is the UK’s largest insurer with over 200 years’ experience in the insurance industry.

This Personal Accident insurance policy sets out the insurance protection in detail.

Your premium has been calculated on the basis of the extent of cover You have selected which is specified in the Schedule, the information You have provided and the declaration You have made. Please read the policy and the Schedule carefully to ensure that the cover meets the requirements of the Insured Person(s) and You.

Please contact Your insurance adviser if You have any questions or if You wish to make adjustments.

This policy consists of individual sections. You should read this policy in conjunction with the Schedule which confirms the sections You are insured under and gives precise details of the extent of Your insurance protection.

Complaints Procedure

Important Information

The Contract of Insurance

Policy Definitions

Personal Accident Section

Policy Conditions

Policy Exceptions

The Contract of Insurance

The policy, the information the Insured Person or You have provided and/or the application form, the declaration made by You and the Schedule should be read together and form the contract of insurance between You, the Policyholder and Us, Aviva.

In return for the Insured Person or You having paid or agreed to pay the premium for the Period of Insurance, We will indemnify the Insured Person by payment or, at Our option, by reinstatement or repair, in respect of loss, liability, destruction, damage, accident or injury, to the extent of and subject to the terms contained in or endorsed on the policy.

Important This policy is a legal contract. You must tell Us about any facts or changes which affect this insurance and which have occurred either since the policy started or since the last renewal date.

If You are not sure whether certain facts are relevant, please ask Your insurance adviser or local Aviva office. If You do not tell Us about relevant changes, the policy may not be valid or the policy may not cover the Insured Person(s) fully.

You should keep a written record (including copies of letters) of any information You give Us or Your insurance adviser when You renew this policy.

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Important Information

Choice of Law The appropriate law as set out below will apply unless We agree with You otherwise. 1. The law applying in that part of the United Kingdom, Channel Islands or

Isle of Man in which You normally live

or 2. In the case of a business, the law applying in that part of the United

Kingdom, Channel Islands or Isle of Man where You have Your principal

place of business or

3. Should neither of the above be applicable, the law of England and Wales.

Financial Services Compensation Scheme

We are members of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from this scheme if We cannot meet Our obligations, depending on the type of insurance and the circumstances of Your

claim. Further information about the scheme is available from the FSCS website www.fscs.org.uk, or write to

Financial Services Compensation Scheme 7th floor Lloyds Chambers Portsoken Street London E1 8BN

Use of Language Unless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be in English.

Customers with Disabilities

This policy and associated documentation are available in large print, audio and Braille. If You require any of these formats, please contact Your insurance adviser.

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Important Information

Data Protection Act – Information Uses For the purposes of the Data Protection Act 1998, the Data Controllers in relation to any personal data You supply is Aviva Insurance Limited.

Insurance Administration Information You or the Insured Person supplied may be used for the purposes of insurance administration by Us, its associated companies and agents, by reinsurers and Your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing of Our compliance with any regulatory rules/codes. Your and the Insured Person(s) information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. In assessing any claims made, We or Our agents may undertake checks against publicly available information (such as electoral roll, county court judgements, bankruptcy orders or repossessions). Information may also be shared with other insurers either directly or via those acting for the Us (such as loss adjusters or investigators). With limited exceptions, and on payment of the appropriate fee, You or the Insured Person have the right to access and if necessary rectify information

held. Sensitive Data

In order to assess the terms of the insurance contract or administer claims that arise, We may need to collect data that the Data Protection Act defines as sensitive (such as medical history or criminal convictions). By proceeding with this application You will signify Your consent to such information being processed by Us or its agents. You must also ensure that You make this fact known to the Insured Person(s) and obtain their consent to pass this information to Us for these purposes. Fraud Prevention and Detection In order to prevent and detect fraud We may at any time:

Share information about You or the Insured Person(s) with other

organisations and public bodies including the Police;

Check and/or file Your or the Insured Person(s) details with fraud

prevention agencies and databases, and if You or the Insured Person give Us false or inaccurate information and We suspect fraud, We will record this. We and other organisations may also search these agencies and databases

to:

o Help make decisions about the provision and administration of

insurance, credit and related services for You or the Insured Person and members of Your or their household;

o Trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your or the Insured Person(s) accounts or insurance policies;

o Check Your or the Insured Person(s) identity to prevent money laundering, unless You or the Insured Person(s) furnish Us with other satisfactory proof of identity;

Undertake credit searches and additional fraud searches. We can supply on request further details of the databases We access or contribute to.

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Complaints Procedure

Our promise of Service

Our goal is to give excellent service to all our customers but we recognise that

things do go wrong occasionally. We take all complaints we receive seriously

and aim to resolve all our customers’ problems promptly. To ensure that we

provide the kind of service you expect we welcome your feedback. We will

record and analyse your comments to make sure we continually improve the

service we offer.

What will happen if You complain?

We will acknowledge your complaint promptly. We aim to resolve all complaints as quickly as possible.

Most of our customers’ concerns can be resolved quickly but occasionally more

detailed enquiries are needed. If this is likely, we will contact you with an update

within 10 working days of receipt and give you an expected date of response.

What to do if you are unhappy

If you are unhappy with any aspect of the handling of your insurance we would

encourage you, in the first instance, to seek resolution by contacting Your

Insurance advsior

If you are unhappy with the outcome of your complaint you may refer the matter to the Financial Ombudsman Service (FOS) at:

The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Telephone: 0800 023 4567 0300 123 9123 Or simply log on to their website at www.financial-ombudsman.org.uk.

Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure does not affect your right to take legal action.

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Contact details for claims and help Services As an Aviva customer, the Insured Person(s) can access additional services to

help them at a time of need. For Our joint protection telephone calls may be recorded and/or monitored.

Claims Service 0800 051 6583

Postal Address: Group Personal Accident Claims Aviva 2-10 Albert Square Manchester M60 8AD

Email Mailbox: gpaclaims@aviva.co.uk

Our line operates 9am to 5pm, Monday to Friday. Please have your policy number to hand when calling. For our joint protection telephone calls may be recorded and/or monitored. When We know about the problem, We will start to put the solutions in place.

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Policy Definitions Each time We use one of the words or phrases listed below, it will have the same meaning wherever it appears in the policy,

Schedule or endorsements. A defined word or phrase will appear bold each time it appears.

Accident/Accidental Shall mean a sudden violent external unforeseen and identifiable event.

Accidental Bodily Injury (a) Injury caused by Accidental and/or violent means (b) Injury resulting from Exposure occurring within 12 months from the date of such Accident or Exposure.

Benefit Period The total period, after the expiry of any Excess Period stated in the Schedule, for which We will pay benefits for Temporary Total Disablement in respect of any one Accident to any Insured Person.

Business Activities directly connected with the business described in the Schedule.

Capital Benefits Capital Benefits shall include Loss of Hearing, Loss of Limb, Loss of Sight, Loss of Speech, and Permanent Total Disablement.

Country of Residence The country in which the Insured Person has their

permanent home or in which they ordinarily reside.

Excess Period The number of calendar days at the commencement of each and every period of Temporary Total Disablement

for which benefit is not payable.

Exposure Death and/or injury to an Insured Person as a direct result

of exposure to the elements shall be deemed to have been caused by Accidental Bodily Injury.

Hospital Any establishment which is registered or licensed as a full time facility for surgical and medical diagnosis and treatment of injured and sick persons by and under the supervision of a Qualified Medical Practitioner

continuously providing a 24 hours a day nursing service supervised by State Registered Nurses or nurses with equivalent qualifications and is not primarily a mental institution or a place of rest for the aged, for drug addicts or alcoholics.

Insured Person(s) Any person or category of persons shown in the Schedule.

Loss of Hearing Total and permanent loss of hearing in one or both ears to the extent that the hearing loss is greater than 95 decibels across all frequencies using a pure tone audiogram.

Loss of Limb Shall mean in respect of (1) an arm – physical severance of all four fingers at or

above the metacarpal phalangeal joints (where the fingers join the palm of the hand) and/or

(2) a leg – physical severance at or above the level of the ankle (talo-tibial joint)

and shall also mean permanent total loss of use of an entire hand or arm at or above the metacarpal phalangeal joints (where the fingers join the palm of the hand), or leg at or above the level of the ankle (talo-tibial joint).

Loss of Sight Loss of Sight shall mean total and permanent loss of sight, which shall be deemed to have occurred (1) in both eyes when the Insured Person(s) name has

been added to the register of Blind Persons on the authority of a fully qualified ophthalmic specialist.

(2) in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (which means the Insured Person is only able to see at 3

feet that which they should normally be able to see at 60 feet) and We are satisfied that the condition is permanent and without expectation of recovery.

Loss of Speech Total and permanent loss of speech.

Operative Time The period of time for which We will cover the Insured Person as specified in the Schedule.

Period of Insurance From the effective date until the expiry date shown in the Schedule and any subsequent period for which We accept

payment for renewal of this policy.

Permanent Total Disablement Any permanent disablement other than (a) Loss of Hearing (b) Loss of Limb (c) Loss of Sight (d) Loss of Speech

which lasts without interruption for more than 12 months from the date of Accident and in all probability shall continue for the remainder of the Insured Person(s) life that will prevent the Insured Person from engaging in

or giving attention to:

(i) business profession or occupation of any and every kind if the Insured Person is not in gainful

employment; (ii) business schooling profession or occupation of

any and every kind if the Insured Person is under 16 years of age or under 18 years of age and in full time education.

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Qualified Medical Practitioner A doctor or specialist who is registered or licensed to practise medicine under the laws of the country they practise in other than an Insured Person, Insured

Person’s partner, a member of the immediate family of the Policyholder or Insured Person or an employee of the Policyholder.

Rehabilitation Expenses The reasonable expenses necessarily incurred in

engaging professional rehabilitation advice and assistance to retrain the Insured Person.

Salary The Insured Person(s) wages / salary, including overtime,

commission or bonus payments, received in the 12 months immediately preceding the date of Accident (all prior to deductions) or for weekly paid employees 52 times the Insured Person(s) Weekly Wage immediately preceding the date of Accident (all prior to deductions).

Temporary Total Disablement Disablement which entirely prevents the Insured Person from engaging in or attending to their Usual Occupation.

Schedule The document which specifies details of the Policyholder, Insured Person(s) and Operative Time, Endorsements

and Conditions applying to the policy.

Sickness Any disease, medical complaint or medical condition which is not Accidental Bodily Injury.

United Kingdom For the purposes of this policy means England, Scotland, Wales and Northern Ireland.

Usual Occupation

The tasks, duties and other functions, which the Insured Person normally performs in connection with their

occupation.

War War, invasion, act of a foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

We/Us/Our Aviva Insurance Limited.

Weekly Wage The average gross weekly wage (or in the case of salaried

1/52nd

of their Salary) normally paid to the Insured Person

as a wage or salary for services (including overtime, commission or bonus payments) prior to all deductions paid in the 12 week period (or any shorter period if the Insured Person has been employed for less than 12

weeks) before the date of commencement of the period of Temporary Total Disablement

You/Your/Policyholder The persons, companies, partnerships or unincorporated associations, named in the Schedule as the Policyholder.

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Personal Accident

Cover We will pay the sum insured shown in the Schedule for Accidental Bodily Injury to an Insured Person occurring during the Period of Insurance which within 24 months of the date of the Accident solely directly and independently of any other cause

results in any of the benefits listed below

Death Capital Benefits

Temporary Total Disablement

The amount payable to the Insured Person shall be the amount as stated in the Schedule for that category of Insured Person.

Extensions

Coma Benefit

In the event that an Insured Person sustains Accidental Bodily Injury during the Operative Time which results in a continuous unconscious state We will pay the Insured Person an additional sum of £50 per day for each day of

continuous unconsciousness up to a maximum of 365 days. Dental Expenses If during the Operative Time the Insured Person sustains Bodily Injury following an Accident which necessitates emergency dental treatment within 6 months of the Accident by a legally qualifies dental practitioner We will pay dental expenses up to £250 in respect of each and every claim. We will not be liable for loss of or damage to dentures, bridges and crowns or other dental appliances

Disappearance

If an Insured Person has been missing for a period of 180

consecutive days and there is sufficient evidence to support the conclusion that death has been caused by Accidental Bodily Injury, such Insured Person will be

presumed to have died. However You will be required to repay any benefit if the Insured Person is found to have been alive or is found

alive.

Funeral Expenses In the event of the Accidental death of the Insured Person during the Operative Time and the payment of a death benefit under this policy We will indemnify the Insured Person(s) estate for the reasonable costs of a

funeral up to a maximum payment of £10,000.

Hospitalisation

In the event that an Insured Person is admitted as a Hospital in-patient as a result of Accidental Bodily Injury occurring during the Operative Time, We will pay the

Insured Person £50 for each complete 24 hour period that the Insured Person spends as an in-patient, up to a

maximum of 365 days. Medical Expenses If an Insured Person sustains Accidental Bodily Injury

which results in them incurring ambulance charges or Medical Expenses as an inpatient in a Hospital or nursing home We will indemnify the Insured Person for up to 15% of the amount payable for a valid death and /or Capital Benefits claim or up to 30% of the amount payable for a valid Temporary Total Disablement Benefits claim subject

to a maximum payment of £15,000. Rehabilitation Expenses In the event of a valid claim being paid for Permanent Total Disablement or Loss of Limb(s) or Loss of Sight We will indemnify the Insured Person for all reasonable expenses incurred in retraining the Insured Person for

either, an alternative occupation or in order to improve the quality of their life, up to a maximum of £15,000.

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Policy Conditions All of the following Policy Conditions apply to each Section of the policy.

Benefit Limits (1) Payment of Benefit

We will not pay under more than one of the benefits listed below in connection with the same Accident for the same Insured Person

Death

Loss of Limb, Loss of Sight, Loss of Speech or Loss of Hearing

Permanent Total Disablement.

After payment has been made for

Death

Loss of Limb, Loss of Sight, Loss of Speech or Loss of Hearing

Permanent Total Disablement

no further payments shall be made by Us in respect of that Insured Person during the current Period of Insurance.

(2) Payment of Permanent Total Disablement Benefit in respect of Permanent Total Disablement

will be payable after the expiry of 52 consecutive weeks disablement and on certification that disablement is permanent and without expectation of recovery by a medical examiner appointed by Us.

(3) Payment of Temporary Total Disablement (a) Payment of benefit for Temporary Total

Disablement shall not preclude entitlement to any

other benefit but shall cease immediately following payment of

Death

Loss of Limb, Loss of Sight, Loss of Speech or Loss of Hearing

Permanent Total Disablement. (b) Payment benefit for Temporary Total

Disablement will be paid at 4 weekly intervals in

arrears commencing after the expiry of the Excess Period.

(c) In respect of any one Accident benefit will not be payable in respect of Temporary Total Disablement for longer than the Benefit Period shown in the Schedule.

(4) Maximum Weekly Benefit The maximum Weekly Wage payable for

Temporary Total Disablement will not

exceed 100% of the Insured Person(s) normal Weekly Wage.

It is the duty of the Insured or Insured Person to inform Us if any claim payment does exceed these

limits. Payment will be proportionately reduced until these limits are not exceeded.

(5) Maximum Benefit The maximum amount shown in the Schedule payable for any Insured Person for all Accidental Bodily Injury arising from any one Accident.

(6) Minors

If the Insured Person is under the age of 16 at the date of the Accident giving rise to a claim

(a) The maximum amount payable for death will be £10,000 or the sums insured shown in the Schedule

whichever is less. (b) No benefit will be payable for Temporary Total

Disablement (7) Accumulation Limit

The maximum We will pay in respect of all benefits under this policy in aggregate in respect of all Insured Persons involved in the same Accident shall not

exceed the Maximum Accumulation Limit stated in the Schedule and individual benefits shall where

necessary be reduced proportionally until the total aggregate of individual benefits does not exceed the Maximum Accumulation Limit.

(8) Any loss in respect of Permanent Total Disablement

(PTD) where the Insured Person is over 65 years of age at the date of the Accident giving rise to a claim.

Alteration of Risk

If (a) there has been any alteration to the Business and/or

the occupation or pursuits of any Insured Person after

the effective date of this insurance which increases the risk of loss, liability, destruction, damage, accident or injury or

(b) Your interest ceases except by will or operation of law We will at Our option avoid the policy from the date of such alteration or when Your interest ceases, unless We accept

the alteration. Assignment

The Insured Person may not assign the benefits under this policy. We shall not be bound to accept or be affected by any notice of any trust charge lien purported assignment or other dealing with or relating to this policy. Cancellation

We reserve the right to retain the annual Premium where claims have occurred in the Period of Insurance when

cancellation takes place. (a) You may not cancel this policy at any time. (b) The Insured Person may withdraw from the cover

provided by this Policy at any time by giving notice to You. No refund of Premium will be payable.

(c) We may also cancel this policy at any time by sending not less than 30 days’ notice in writing to Your last

known address. If the policy is cancelled under (c) above, We will refund

part of the premium for the unexpired period, which will be calculated on Our, then current, short period rating basis,

and provided that there have been no (i) claim(s) made under the policy for which We have

made a payment (ii) claim(s) made under the policy which are still

under consideration (iii) incident(s) which You are aware of and which are

likely to give rise to a claim which has yet to be reported to Us

during the current Period of Insurance. (d) We will cancel this policy from the inception date if the

premium has not been paid and no return premium will

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be allowed. Such cancellation will be confirmed in writing by Us to Your last known address.

Claims Procedure If in relation to any claim You or the Insured Person have failed to fulfil any of the following conditions, You or the Insured Person will lose the right to indemnity or payment

for that claim. You or the Insured Person must (a) tell Us as soon as practicable of any event or

occurrence which may result in a claim and in any event no later than 60 days after the occurrence of such event

(b) as soon as practicable and at Your or the Insured Person(s) expense, provide Us with a written claim

containing as much information as possible of the loss, destruction, damage, accident or injury, including the amount of the claim

(c) provide Us at Your or the Insured Person(s) own

expense with all certificates information and evidence reasonably required by Us and in the form and of such nature as We may prescribe

(d) immediately pass to Us unanswered, all

communications from third parties in relation to any event which may result in a claim under this policy

(e) not admit or repudiate liability, nor offer to settle, compromise, make payment which may result in a claim or pay any claim under this policy without Our

written agreement and the Insured Person shall

(a) submit to medical examination at Our request in respect of any alleged Accidental Bodily Injury where We shall pay the fee

(b) as soon as possible after the occurrence of any Accidental Bodily Injury obtain and follow the advice of a Qualified Medical Practitioner.

We shall not be liable for any consequences arising due to the Insured Person(s) failure to obtain and follow such

advice and use such appliance or remedies as may be prescribed. In the case of death We shall be entitled to have a post- mortem examination at Our own expense.

Contribution

If at the time of an event giving rise to a claim there is any other insurance policy in force in Your or the Insured Person(s) name which covers You or the Insured Person for the same expense loss or liability We will only pay a

proportion of the claim being determined by reference to the cover provided by each of the relevant policies with the exception of Personal Accident benefits which will be payable in full.

Fraud

(a) If a claim made by You or the Insured Person or anyone acting on Your behalf, or any person

claiming to be indemnified, is fraudulent or exaggerated, whether ultimately material or not or

(b) (i) if a false declaration or statement is made

(ii) if a fraudulent device is used in support of a claim

We may at Our option

(i) avoid the policy from the inception of this insurance

or

(ii) cancel the policy from the date of the claim or alleged claim and repudiate the claim or

(iii) repudiate the claim. Identification The policy and the Schedule will be read as one contract. A particular word or phrase which is not defined in Bold will

have its ordinary meaning. Interest We will not pay interest on any claim payable.

Non Disclosure, Misrepresentation or Misdescription We will void this policy if there has been any

misrepresentation, misdescription or failure to disclose any material fact by You or the Insured Person or anyone acting for You or the Insured Person. Policy Age Limit Unless otherwise agreed by Us and specifically noted in

this policy no person over the age of 75 will be covered by this policy. Reasonable Precautions You and the Insured Person must take all reasonable

precautions to prevent (a) loss, destruction or damage to the property insured (b) accident or injury to any person or loss or destruction

of, or damage to, their property and must comply with all legal requirements and safety regulations and conduct the Business in a lawful manner. Subjectivity

At the inception of or during each Period of Insurance, the insurance provided by this policy may be subject to You (a) providing Us with any additional information.

(b) completing any actions agreed between You and Us. (c) allowing Us to complete any actions agreed between

You and Us. If this is the case, then the Schedule will clearly state the information required and the dates We require such information by. Upon completion of these requirements (or if they are not completed by the required dates) We may, at Our option

(i) modify Your premium.

(ii) amend the terms and conditions of this policy. (iii) exercise Our right to cancel the policy under

Policy Condition (5) Cancellation. (iv) leave the policy terms, conditions, and

premium unaltered. The Contracts (Rights of Third Parties) Act 1999

Except for an Insured Person, a person who is not a party

to this Policy may not benefit from it or enforce any of its terms. The Contracts (Rights of Third Parties) Act 1999 does not apply to this Policy.

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Policy Exclusions This Part of the policy provides details of all Exclusions. Exclusions applicable to all sections of the policy are listed first, followed by Exclusions applicable to each individual section of the policy.

This policy does not cover

(1) any consequence whatsoever resulting directly or

indirectly from or in connection with any of the following regardless of any other contributory cause or event.

a. War in the Insured Person(s) Country of Residence or secondment

b. any action taken in controlling, preventing, suppressing or in any way relating to 1a above

The above exclusion shall be inoperative in the event of War being declared whilst the Insured Person is actually engaged on a journey abroad.

(2) the Insured Person engaging in any kind of flying

other than as a passenger. (3) the Insured Person being a full time member of the

armed forces of any nation or international authority or a member of any reserve forces called out for permanent service.

(4) the Insured Person committing or attempting to

commit suicide or intentionally inflicting self injury. (5) the Insured Person(s) own criminal act. (6) the Insured Person being in a state of insanity.

(7) any claim incurred in any country destination or region in respect of which the advice of the British Government or the government of the Insured Person(s) Country of Residence (if different) at the

time the trip was booked was “against all travel to”. (8) Accidental Bodily Injury directly or indirectly caused

by the Insured Person suffering from:

(i) any gradually operating cause

(ii) any naturally occurring condition or degenerative process

(iii) Sickness or disease (unless resulting directly from Accidental Bodily Injury).